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Maybe the broker knows who to talk to and what to say. I also got a good deal when I used a broker but that was when I only had a couple of IP's with each lender. When you've got over a mill loans with them they either hate you or they love you (depending on your LVR level)

If you did, the broker would be getting his cut so there will be less room for the bank to move. In cases where you want to get the max discount possible you've got to be dealing with the lender direct and to have all of your loans taken directly with them and not through a broker. I...

Good point there Rolf Approaching a lender and trying to maximise the discount is not a bad idea but switching all of our portfolio to another lender for the sake of a tax deductible $1K/pa has the potential to cause us problems

Why? LMI is a one off cost A discount is ongoing....

Maybe those of us with westpac loans should now be ringing them up and demanding a higher discount or we walk